Call reports 2001
CAPITAL BANK OF NORTH COUNTY — 2001
What CAPITAL BANK OF NORTH COUNTY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 131,062,000 | 133,416,000 | 140,614,000 | 143,650,000 |
| Total loans | 75,685,000 | 78,198,000 | 86,778,000 | 93,058,000 |
| Allowance for loan losses | 839,000 | 834,000 | 869,000 | 929,000 |
| Securities available for sale | 18,204,000 | 29,633,000 | 30,008,000 | 25,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,690,000 | 122,840,000 | 129,133,000 | 132,080,000 |
| Interest-bearing deposits | 80,899,000 | 84,358,000 | 84,704,000 | 84,547,000 |
| Noninterest-bearing deposits | 39,791,000 | 38,482,000 | 44,429,000 | 47,533,000 |
| Equity capital | 9,231,000 | 9,582,000 | 10,419,000 | 10,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,494,000 | 6,654,000 | 8,910,000 |
| Interest expense | 742,000 | 1,440,000 | 2,064,000 | 2,493,000 |
| Net interest income | 1,549,000 | 3,054,000 | 4,590,000 | 6,417,000 |
| Noninterest income | 384,000 | 788,000 | 1,210,000 | 1,617,000 |
| Noninterest expense | 1,338,000 | 2,636,000 | 3,993,000 | 5,388,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 95,000 |
| Pretax income | 595,000 | 1,206,000 | 1,772,000 | 2,551,000 |
| Income tax | 244,000 | 491,000 | 630,000 | 919,000 |
| Net income | 351,000 | 715,000 | 1,142,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,090,000 | 9,379,000 | 10,040,000 | 10,369,000 |
| Total capital | 9,929,000 | 10,213,000 | 10,909,000 | 11,298,000 |
| Risk-weighted assets | 81,190,000 | 83,863,000 | 90,896,000 | 93,919,000 |